American Express Blue Car Rental Insurance Benefits and Details

American Express Blue car rental insurance provides primary coverage, meaning it's the first line of defense in case of an accident or damage to the rental vehicle.

You can purchase this insurance when you book your rental car through the American Express website or mobile app.

This insurance is optional, and you can choose to purchase it separately or as part of a package deal.

With American Express Blue car rental insurance, you're protected against theft, vandalism, and damage to the rental vehicle, including glass and tire damage.

American Express Blue car rental insurance offers coverage for theft and damage, but the details depend on your credit card and card issuer. The coverage may not include loss-of-use fees, which can be a significant expense.

Some credit cards may offer additional coverage for damaged or stolen personal items, while others may not. Exotic cars, antique cars, cargo vans, or limos might have different coverage than economy cars or standard SUVs.

Your credit card insurance may not cover you in all countries, and the rental duration may also affect the coverage. Check your card issuer's benefits paperwork or online account information to learn what's covered.

If you have an American Express card, you can enroll in Premium Protection, which covers car rentals for up to 42 consecutive days. The coverage includes primary coverage for theft, damage, towing, storage, and loss of use expense, with limits of up to $100,000 per covered vehicle.

The coverage also includes secondary medical coverage of up to $15,000 per person, personal property coverage of up to $10,000, and accidental death and dismemberment coverage of up to $10,000 per person.

Here's a breakdown of the coverage options:

You'll be charged a flat rate for each rental period, which can range from $12.25 to $24.95, depending on your state of residence and the level of coverage you select.

You'll need to file a claim with your American Express card issuer if damage occurs to the rental car. The first step is to contact your card issuer to find out what documentation you'll need to provide.

You'll likely need to submit a copy of the damage report from the rental company. The rental agency may also provide photographs that can be used as evidence.

The repair estimate is another crucial document that will be required. Make sure to obtain a copy of this document as soon as possible.

A copy of the rental agreement is also necessary. This document will help your card issuer verify the details of the rental.

If the damage is due to another car or person's property, or if the car was stolen, you'll need to include a copy of the police report.

Here's a list of the typical documentation required for a claim:

You should receive payment from the Benefits Administrator within 90 days after receipt of all documents and the validation of your claim.

If you're renting a car, it's a good idea to check with your insurance company to see if you'll have full coverage in case of damage or theft.

You should also check with your credit card issuer to see if they offer rental car insurance, as this can sometimes provide additional protection.

Accidents can happen, and it's always good to be prepared for whatever can come your way, whether it's a dinged door in a parking lot or a collision.

If you don't have a personal auto insurance policy that covers rental vehicles and your credit card doesn't offer rental car insurance, it may be a good idea to buy the insurance offered by the rental agency.

To activate Premium Car Rental Protection, select Rewards and Benefits on your card account home page, then choose Benefits, and scroll down to choose Premium Car Rental Protection.

You'll be taken to a page that describes the coverages, and once you select Enroll Now, you'll see the page that allows you to choose the level of coverage you prefer.

The card you selected initially will be the default card shown, but you can change the card you'd prefer to add coverage to.

You'll select the level of coverage you prefer, with options varying by your state of residence, such as $75,000 or $100,000.

Review and accept the terms, and you'll immediately have the coverage added to your card.

Your card will be charged the applicable premium when your card is charged for the rental, and if your card is charged for the rental in advance and you end up canceling the rental, you may request a refund of the coverage premium.

To remove Premium Protection from your card at any time, simply log in to your American Express online card account and select coverage from the benefits list.